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Capital for Pharma Manufacturers & Exporters
WHO-GMP capex, export finance and working capital for formulations, API and nutraceutical companies.
How We Serve the Pharmaceuticals Sector
Pharma balance sheets carry regulatory capex that generates no revenue until approvals land: WHO-GMP upgrades, stability studies, and export registrations — followed by 90–150 day receivables from institutional and export buyers.
LOANYARD CAPITAL funds compliance and capacity capex, structures export packing credit and bill discounting for regulated-market shipments, and arranges working capital that respects long pharma cash cycles.
Funding Challenges We Solve
Funding Solutions for Pharmaceuticals
Case Study
Formulations exporter, Baddi
₹19 Crore — EU-GMP upgrade + export limits
The Challenge
A formulations maker needed an EU-GMP line upgrade to convert three pending European contracts, while existing limits were fully drawn against African-market receivables.
Our Solution
We funded the ₹8 Cr upgrade as a term loan with 15-month moratorium matching the approval timeline, and enhanced export limits to ₹11 Cr with post-shipment discounting of ECGC-covered receivables.
Business Impact
- EU approval received; contracts worth ₹40 Cr annually activated
- Export receivable cycle funded at sub-9% concessional rates
- Revenue mix shifted 35% to regulated markets in 2 years